Cheapest Car Insurance Quotes in Jacksonville, Florida
Cheapest Car Insurance Quotes in Jacksonville, Florida
Find cheap auto insurance quotes in Jacksonville
Minimum coverage auto insurance in Jacksonville, the most populated city in Florida, averages $2,275 per year, or around $190 per month, while the average cost of a full coverage policy is $3,171, or $264 per month. Jacksonville’s car insurance costs vary significantly depending on your driver profile, background and, most importantly, your insurer.
In fact, the cheapest insurer charges an average of $2,925 less than the most expensive insurer for minimum liability coverage, emphasizing how important it is to shop around for multiple quotes.
Cheapest minimum auto insurance in Jacksonville: Geico
The Jacksonville insurer with the cheapest minimum liability policy is Geico with an average annual cost of $1,136. An alternative insurer you should obtain a quote from is State Farm, which is only $130 more expensive, on average, than Geico. A minimum auto insurance policy is the lowest amount of coverage a driver must obtain to legally drive in the state.
Find cheap auto insurance quotes in Jacksonville
Florida has the second most expensive minimum insurance policy and the fifth most expensive full coverage policy in the country. Jacksonville, like many densely populated cities, has insurance rates that are higher than the state average.
Given the high insurance price tags, drivers may decide to purchase the minimum amount of coverage to save money. However, this may not be the best option for your needs. A minimum liability policy covers the cost of damages to other people's property as well as medical expenses for you and your passengers. It does not offer coverage against damage to your own vehicle, which means you can still end up spending hundreds or even thousands of dollars as a result of an accident.
Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,136 |
| 2 | State Farm | $1,266 |
| 3 | Direct General | $1,934 |
| 4 | MetLife | $2,046 |
| 5 | Progressive | $3,198 |
| 6 | Allstate | $4,067 |
Cheapest insurer for a full coverage policy: Geico
Geico not only has the cheapest minimum liability coverage but also the most affordable full coverage policy. Its full coverage policy is only $533 more expensive than its minimum coverage policy. The second cheapest insurer, State Farm, has a full coverage policy that is $449 more expensive than Geico’s but is still cheaper than Florida’s and Jacksonville’s average.
Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,669 |
| 2 | State Farm | $2,118 |
| 3 | Direct General | $2,742 |
| 4 | MetLife | $3,392 |
| 5 | Progressive | $4,154 |
| 6 | Allstate | $4,951 |
Full coverage includes coverage of your vehicle, while minimum coverage serves to cover other drivers’ vehicles. A full coverage policy is more expensive than a minimum cost policy because it includes comprehensive and collision coverage. To quickly summarize what each type of coverage gives you:
- Comprehensive coverage: Financially protects you from damage to your car caused by factors outside of your control. This includes thefts, natural disasters and broken or shattered windshields.
- Collision coverage: Financially protects you from damage to your car caused by driving into another vehicle or object, the most common accidents. This includes crashing into another car, driving into a ditch and running into a pole.
We recommend you invest in additional coverage or higher limits if your car is less than 10 years old or worth more than $3,000.
Cheapest insurance company for young drivers: Geico
Young and new drivers are statistically more likely to be involved in an accident than older drivers. Insurers see young drivers as high-risk and, as a result, charge higher insurance premiums for coverage.
The insurance company that offers the cheapest rates for the average 18-year-old driver is Geico with an average annual premium cost of $3,187. The next most inexpensive option you can find in Jacksonville is Direct General, which is priced, on average, at $3,832 annually.
Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $3,187 |
| 2 | Direct General | $3,832 |
| 3 | State Farm | $3,904 |
| 4 | MetLife | $5,231 |
| 5 | Progressive | $8,594 |
| 6 | Allstate | $9,416 |
If you find that rates are still too expensive after comparing multiple large insurers, there are additional steps you can take to obtain cheaper coverage:
- Combine policies with your family members. The cheapest way for a young driver to get insurance is by combining policies with an older family member. If you combine policies with a relative who is older and has a less risky profile, you will be paying less than if you had two separate policies.
- Ask companies about discounts. Most insurers have a comprehensive list of discounts on their website. You can redeem discounts for obtaining good grades in school, attending a defensive driving class and having safety devices installed in your car.
- Contact insurers outside of our list. Big insurers don’t always offer the best prices. Research and contact small insurers around Jacksonville as well to see if they have better deals or prices.
Cheapest rates for drivers with an accident history: State Farm
Any driver who’s been in an accident knows how much it affects insurance costs.
Allstate, the most expensive insurer for minimum and full coverage policies, increased rates by an average of $2,122 after an accident. The best action you can take to avoid a massive price hike following an accident is to compare rates at different companies.
State Farm increased prices the least after an accident, with a $382 difference. Geico, the company with the cheapest full coverage and minimum coverage policy, increased prices by an average of $715. Direct General is another option to check out. Although it isn't as inexpensive as Geico or State Farm, its price hike was less than $1,000.
Rank | Company | Rates before accident | Rates after accident | Difference |
|---|---|---|---|---|
| 1 | State Farm | $2,118 | $2,500 | $382 |
| 2 | Geico | $1,669 | $2,384 | $715 |
| 3 | Direct General | $2,742 | $3,666 | $924 |
| 4 | Progressive | $4,154 | $5,930 | $1,777 |
| 5 | MetLife | $3,392 | $5,499 | $2,107 |
| 6 | Allstate | $4,951 | $7,073 | $2,122 |
Best insurance company for customer service in Jacksonville
It’s not enough to just have the best prices. You should also look for insurers that offer quick and transparent customer service. In our survey, companies rated the highest in customer service typically had fast response times, a 24/7 claims center or helpful representatives.
According to our survey of customer satisfaction, the Jacksonville insurance company with the best service ratings is Allstate with 64% of policyholders stating that they are satisfied with their customer service experience. A close second is State Farm, with 59% of customers being satisfied with their experience.
Rank | Auto insurer | % of respondents extremely satisfied with experience | % of respondents who saw customer service as excellent |
|---|---|---|---|
| 1 | Allstate | 64% | 47% |
| 2 | State Farm | 59% | 46% |
| 3 | Geico | 56% | 42% |
| 4 | Progressive | 51% | 34% |
Best auto insurers in Florida by complaints
In addition to our survey, we examined the feedback collected by the National Association of Insurance Commissioners (NAIC), which measures customer service by the frequency of customer complaints. The Jacksonville companies with the best customer service based on NAIC’s complaint index are Amica,Farm Bureau, Southern-Owners and Progressive.
Rank | Company | Complaint index |
|---|---|---|
| 1 | Amica | 0.06 |
| 2 | Florida Farm Bureau | 0.07 |
| 3 | Southern-Owners | 0.10 |
| 4 | Progressive | 0.10 |
| 5 | Safeco | 0.11 |
| 6 | State Farm | 0.12 |
| 7 | Mercury | 0.12 |
| 8 | Allstate | 0.12 |
| 9 | MetLife | 0.13 |
| 10 | Geico | 0.14 |
| 11 | USAA | 0.14 |
| 12 | Esurance | 0.19 |
Insurers were selected based on market share and quote availability. Complaint index information is drawn from the National Association of Insurance Commissioners. The national median for the complaint index is 1.0, meaning companies with a lower index provide better customer service compared to the median company.
Average rates by Jacksonville neighborhood
Crime rates, population density and accident rates vary by neighborhood, resulting in insurance prices that can vary by over $300 depending on where you reside.
Residents of Downtown Jacksonville, the city’s business district and one of the most expensive areas, had auto insurance quotes that averaged $2,387 per year. Mayport, the cheapest area of Jacksonville and one of its smallest areas, had an average insurance cost of $2,099 — a $288 difference.
ZIP code | Neighborhood | Average annual car insurance rate |
|---|---|---|
| 32099 | Marietta | $2,335 |
| 32202 | Downtown | $2,387 |
| 32204 | Brooklyn / Mixon Town / Riverside | $2,359 |
| 32205 | Hillcrest / Normandy Village / Avondale | $2,372 |
| 32206 | Fairfield / Springfield / East Side | $2,420 |
| 32207 | San Marco / Spring Park / Riverside | $2,377 |
| 32208 | Riverview / North Shore | $2,384 |
| 32209 | Grand Park | $2,426 |
| 32210 | Sweetwater | $2,338 |
| 32211 | Arlington | $2,357 |
| 32212 | Ortega | $2,323 |
| 32216 | San Souci | $2,216 |
Auto theft statistics in Jacksonville
Despite being the largest city in Florida, Jacksonville has a car theft rate lower than many highly populated areas of Florida, including Miami and Tampa. The city reported 1,240 cars stolen in 2019, or approximately 137 cars for every 100,000 vehicles.
City | Population | Car thefts | Thefts per 100,000 |
|---|---|---|---|
| Fort Lauderdale | 182,150 | 426 | 233.9 |
| Orlando | 286,679 | 602 | 210.0 |
| Tallahassee | 192,443 | 336 | 174.6 |
| Miami | 473,047 | 815 | 172.3 |
| St. Petersburg | 265,942 | 377 | 141.8 |
| Jacksonville | 903,213 | 1,240 | 137.3 |
| Hialeah | 241,778 | 259 | 107.1 |
| Tampa | 392,945 | 273 | 69.5 |
Motorvehicle theft data was pulled from the FBI 2019 Preliminary Semiannual Uniform Crime Report.
Car insurance companies in Jacksonville, Fla.
The Tampa auto insurance market is dominated by Geico, Progressive and State Farm, which together write over 50% of direct premiums.
There are unique benefits to being insured by a small insurer over a larger company. Drivers insured under small insurers will be able to communicate with one agent, exclusively, and will likely have a personalized experience. Large insurance companies, on the other hand, lack the personal touch of small companies but offer more discount and coverage options.
Rank | Insurers | Direct Premiums Written | Percent of Direct Premiums |
|---|---|---|---|
| 1 | Geico | 5,492,413 | 22.67% |
| 2 | Progressive | 5,001,524 | 20.64% |
| 3 | State Farm | 2,903,833 | 11.98% |
| 4 | Allstate Corp | 1,999,192 | 8.25% |
| 5 | Liberty Mutual | 618,341 | 2.55% |
| 6 | Auto-Owners Insurance | 608,822 | 2.51% |
| 7 | Travelers | 557,276 | 2.30% |
| 8 | Kemper | 449,651 | 1.86% |
| 9 | National General Holdings Corp | 407,566 | 1.68% |
| 10 | Farmers Insurance | 337,648 | 1.39% |
| N/A* | USAA | 1,481,933 | 6.12% |
*USAA is only available to current and former military members and their families.
Minimum auto insurance requirements in Jacksonville, Fla.
Auto insurance minimums are set by each state. Most states require drivers to have a certain level of coverage in order to legally drive. Florida law requires all Jacksonville drivers to meet the following requirements:
Coverage type | Minimum limit |
|---|---|
| Personal injury protection (PIP) | $10,000 per accident |
| Property damage liability (PDL) | $10,000 per accident |
Although the minimum liability policy is the cheapest option, it may not sufficiently meet your individual needs. If you get into an expensive accident, the damage to your car will not be covered under a minimum policy and you will have to pay out-of-pocket costs. Always consider your background and individual needs before deciding whether to purchase more or less coverage.
No-fault state
Florida is one of 15 no-fault states in the U.S. No-fault insurance requires insurers to provide coverage for medical costs regardless of who is at fault in an accident.
PIP covers up to 80% of medical expenses and 60% of lost income if you are unable to work, with a combined limit of $10,000. PDL reimburses property damage to other drivers' vehicles in an accident, with a limit of $10,000.
Drivers found to be at fault in an accident can still be sued if the accident resulted in serious injuries or death. It’s recommended that you have bodily injury liability (BIL) coverage to protect yourself from a lawsuit.
Florida's financial responsibility law: SR-22 and FR-44 policies
Drivers convicted of driving without insurance or driving under the influence will be required to hold additional coverages and higher coverage limits under Florida's financial responsibility law. You will need to buy SR-22 or FR-44 insurance.
SR-22 insurance requirements
SR-22 is an auto insurance policy with an SR-22 endorsement. If you’re determined to be a high-risk driver, you will be asked to file SR-22 insurance in order to have your driving privileges reinstated. SR-22 insurance requires:
- Bodily injury liability: $10,000 per person/$20,000 per accident
- Property damage liability: $10,000 per accident
These coverages will reimburse you for bodily injury caused to other people involved in an accident for which you are at fault.
FR-44 insurance requirements
Like an SR-22 policy, an FR-44 policy is a car insurance policy with an FR-44 endorsement. Jacksonville residents convicted of driving under the influence of drugs or alcohol are required to obtain an FR-44 certificate. FR-44 coverage requirements are higher than the requirements of no-fault minimum coverage or SR-22 certificates. Specifically, FR-44 insurance requires:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
Methodology
We analyzed quotes from six insurance companies located in Jacksonville, Fla. Our sample driver is a man who owns a 2015 Honda Civic EX, has a poor credit history and is searching for a policy that meets Florida’s minimum auto insurance coverage requirements. During instances where we explicitly state he is looking for a full coverage policy, the following limits were applied:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.